Who is going to make the decision that the occurrence was or was not 'Life threatening'?
An attack may well pose a life threatening situation for one person and not for another.
A simple shove against the wall may be life threatening for a person.
Good question and not a comfortable question while you are hand cuffed
. I think both Zimmerman and the other guy thought they were in a life threatening situation--- but hopefully we as trained karate folks have more common sense and know better (?)
A lot may have to depend on whether the company is a honest legal provider or scam artist, and who in this case is the CCW person interviews you after your call. I supposed we, again, as trained karate folks should know if we are encountering a simple shove against the wall or a shove with bad intention which requires a deadly force response. Same question when pulling out your CCW gun, by the way.
From CCW's website where it compares itself with other companies I found the following: (Let me clarify that I don't work for them and I receive nothing in return.)
" CCW Safe has an Emergency Phone Operator answers the phone to determine if there is an emergency. If there is an emergency the operator immediately connects you to a lawyer that works for CCW Safe who stays on the phone with you.
CCW Safe will have the CCW Safe Attorney attempt to calm you, guide you through interaction with arriving officers, talk to officers on your behalf to make sure your rights are protected and keep you from saying or doing anything that will work against you.
CCW Safe will have the CCW Safe initial contact attorney take care of contacting the contract attorney for the member. The CCW Safe Initial contact attorney will verify that you don’t have any injuries and if so will make sure you have EMS on the way; remind you to document the injuries by camera before EMS cleans it up. This attorney will be the case manager and act as your liaison with the defense team (Contracted Attorneys, Critical Response Team, etc.). This attorney will guide you step-by-step through the criminal and civil process until your legal issues are resolved."
I obtained the following from CCW's website's Q&A:
"A critical self defense incident is defined by CCW Safe as any self defense incident where you are in imminent danger of fear great physical harm to yourself, your family, or others, and have to use deadly force with a firearm or other weapon in order to defend yourself or your family, or others if legal, from that threat. Our services are designed to defend you from criminal, civil or administrative actions stemming from a critical self defense incident where you are defending yourself, your family, and others if it is justified within that state."
CCW's COO also provided the following response:
" I doubt seriously that you could articulate a simple "shove against the wall" to be a life-threatening situation. The further you get away from delivering proper force by the laws of the state you are in, the closer you move towards homicide. You are accountable for your actions and if you are physically able through training to bring death to an opponent then you should know what a heavy responsibility it is on the person that takes the life of another. The best attorneys in the country will still have problems if you are not in a position to use deadly force. So be it by gun or boot; our company can deal with as much heat as you can but the charges are still in your court."
And this is the specific language in my Umbrella policy:
I. Personal Injury means damages arising out of the
1. Libel, slander, or defamation of character;
2. False arrest, willful or false detention or imprisonment,
or malicious prosecution;
3. Wrongful eviction, wrongful entry or invasion of
4. Assault or battery, if committed to protect persons
I will check with my insurance agent on this. Nice to have but it sounds like a special coverage at extra cost?
What a world we are in!